def create_account(balance=0):
    def atm(money, is_deposit=True):
        nonlocal balance
        if is_deposit:
            balance += money
            print(F'😀存钱{money}👉余额{balance}')
        else:
            if balance < money:
                print('余额不足')
                return None
            balance -= money
            print(F'😟取钱{money}👉余额{balance}')

    return atm


atm_machine = create_account(100)
atm_machine(200)
atm_machine(300)
atm_machine(100, False)
